Special business liability insurance

State Farm offers several products to cover your liability insurance needs. Please contact your local State Farm agent for more detailed information.

Commercial Liability Umbrella

For businesses that need $1 million or more of liability protection, State Farm's Commercial Liability Umbrella Policy offers broad coverage at a sensible price.

Employment Practices Liability (EPLI)

Business owners with employees need EPLI to cover claims for harassment, discrimination or wrongful termination. It is specifically designed to help protect the insured and their business in the event an employee brings a suit or administrative charge.

Not-For-Profit Directors & Officers with Employment Practices Liability

This product is similar to the above, but protects the directors and officers of not-for-profit organizations in the event of a suit for an actual or alleged wrongful act in connection with management. EPLI coverage is also included to help protect the organization in the event that an employee brings a suit or administrative charge related to the organization's employment practices. This may include charges for sexual harassment, discrimination or wrongful termination.

Technology Services Errors & Omissions Liability

This policy protects specific types of businesses that provide their customers with technology services. This coverage can help protect the insured from liability arising from mistakes, whether real or alleged.

Architects & Engineers Professional Liability

Under this policy, certain architects and engineers are protected from claims alleging a negligent act, error or omission in the performance of their professional services.

Accountants Professional Liability

Certain accountants and related businesses are protected from claims alleging a negligent act, error or omission in the performance of professional accounting services.

Miscellaneous Errors & Omissions Liability

Under this policy, specific customers are protected from liability arising from a negligent act, error or omission in the performance of their professional service. An important benefit of this product is coverage for legal defense costs. Even when found innocent, the legal costs can be substantial.